Francis

Hello, Lenders! Meet Francis, who is 32 years of age, a hard worker and a very honest farmer. He hails from the rich Kisii highlands in Kenya; an area that has good rainfall patterns and is known for banana farming. There, a staple food is “ matoke” a mouthwatering delicacy prepared from bananas. Francis has one child whom he adores and cherishes, and a beautiful wife who always paints a smile on Francis' face.

Francis has been practicing mixed farming for the past six years and through all those years he has been making great strides. Through profits he has been able to earn a decent and honest living. Francis generates income through milk selling, egg selling and personal business. Through these ventures, he has been able to send his child to school and afford a plate of food. .

Francis has planted many trees in his compound and also has Napier grass, which has high protein and is used to feed his dairy cow. As a result of this, Francis has been making a lot of profits through milk-selling. The demand has really increased, and he cannot meet it. That is why he is requesting kindly for a loan to buy a good quality dairy cow. Dairy farming is a very profitable venture and Francis wants to take full advantage of the ready market for dairy products. Through the loan, Francis is sure of satisfying the demand for milk in his area. Also, food for his dairy cows will never be a problem because he has planted Napier grass. Through increased profits, Francis is sure that he will repay the loan on time and also be in a position to comfortably take care of his family.

Francis, with his entrepreneurial spirit, strength and tenacity, would like to continue fighting so that he can achieve his dream of owning his own business and empowering society by being a source of employment. Juhudi Kilimo through its training has helped Francis have a saving culture and through accumulated profits, he plans to add value to his milk through packaging. Also he hopes that one day he will start manufacturing milk products such as yoghurt and cream.

Additional Information

More information about this loan

Juhudi Kilimo works with small-holder farmers in Kenya to finance purchases of dairy cows, chickens, agricultural equipment, and other assets that create immediate cash flow. Many of the assets are insured to prevent devastating business losses, and targeted technical assistance is provided to farmers. This loan will provide an income generating agricultural activity for small-holder farmers to improve their standard of living.

Important Information

To facilitate a partnership between Kiva and Juhudi Kilimo, K-Rep Group (Juhudi Kilimo’s 100% owner) has guaranteed Kiva funds in the event of institutional default. Lenders should be aware that the risk of borrower default remains borne by the lender.

About Juhudi Kilimo:

Juhudi Kilimo is a for-profit social enterprise working with small-holder farmers in Kenya to finance purchases of dairy cows, chickens, agricultural equipment, and other assets that create immediate cash flow. Many of the assets are insured to prevent devastating business losses, and targeted technical assistance is provided to farmers, from agricultural training to basic book keeping and local market research.